Category Archives: Debt

Share track: Cancelled Comcast, Saved $80 a Month

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Success with TS – If You are Making Payments on It You Don’t own It

Success with TS – Leasing a Vehicle is NOT for this Millennial Dad

Success with TS – Side Hustle your way to Extra Money

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Happy Reading,
TS_

Success with TS – You Could Save Nearly $1,000 a Year by Cancelling Your Cable

Why aren’t You Paid for Your Time on Social Media?

FROGTOWN, ST PAUL–The average person spends 2 hours and 22 minutes of their day on social media. If that person was making minimum wage for their time (average in US $7.25), they would have made $5,874.67 in a year.

That’s a credit card paid off, like, yesterday. That money could be new clothes for the kids. That money could be a student loan reduced by a large percentage, or entirely gone. Imagine.

And most, if not all of us are paid no money to be on social media. And social media makes money off of us through advertising and using our personal data.

So, think about that next time you log on to scroll, those hours could be dollars to better your situation, to pay attention to a loved one, to change your life.

But today, the average person lines the pocketbook of another, without a notice or a care in the real world. Today, you can get what you deserve for your time, just think.

Millennial Money: Turning in Our Leased Subaru Early Saves Us at Least $5,000 a Year

ST PAUL, MN–Yesterday, we saved our family $5,000 a year. We took our leased Impreza Sport in early and will now drive a minivan we bought with cash, per Dave Ramsey’s influence in The Total Money Makeover.

Our situation–saving us nearly $500 a month–is not average, nor is it normal by any means: 1/3 of all new cars are leased per average on 2018 consumer reports; nearly half of American adults rely on auto loans to pay for their vehicles: NOT OWNED.

We own our minivan outright, that’s unusual in a world where living on credit is standard. And by owning with no payments we save, BIG TIME. Also, by owning, within our means, we get out of debt sooner.

No more $343.17 a month to Chase for the Subaru we NEVER owned. No more $135 a month for insurance, high-end comprehensive, required by the lease agreement. On the minivan our first payment was the last!

We stopped paying for Subaru and Chase’s beach house, we are going to buy our own eventually, and sooner now.

I share our story because you too can do anything with a plan, action and a goal. Time to buy with cash, stop living beyond our means on credit. Patience and persistence to long-term success, good luck.

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Please consider a donation of any amount, as many already have.

None of the profits made off of advertisements on my blog go to me, the curator, creator, writer.

If you can’t get to my Paypal page because it’s busy, keep trying.

https://www.paypal.me/TSNiebeling

Happy Reading,
TS_